How does the waiting period affect my coverage?

Care Ultimate covers pre-existing diseases after three years; specific illnesses have a two-year waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

Care Ultimate offers increased sum insured through Loyalty Boost and premium refunds for claim-free years.

Will my health insurance cover treatment abroad?

Care Ultimate does not cover treatments abroad; coverage is limited to hospitals within India.

OneAssure

Health Insurance

Care

Ultimate

Care Ultimate

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

19000

Network Hospitals

9.2

Customer Rating

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

9.2

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

Final Verdict

Care’s new product offers excellent features, including a 100% increase in the sum insured after seven claim-free policy years. The Infinity Bonus add-on provides a 100% increase in the sum insured every year upon renewal, with no capping. Additionally, the first-year premium is refunded if no claims are made for five consecutive years. This plan is available at a discounted rate this year, but premiums may increase in the future. It is also suitable for customers with one heart stent.

Care’s new product offers excellent features, including a 100% increase in the sum insured after seven claim-free policy years. The Infinity Bonus add-on provides a 100% increase in the sum insured every year upon renewal, with no capping. Additionally, the first-year premium is refunded if no claims are made for five consecutive years. This plan is available at a discounted rate this year, but premiums may increase in the future. It is also suitable for...

About

About Care Health Insurance

Care Health Insurance's Ultimate Care Plan offers comprehensive health coverage with unique benefits. Policyholders receive a refund of the first year's base premium after every five consecutive claim-free years under the MoneyBack feature. The Loyalty Boost benefit doubles the base sum insured after seven consecutive claim-free years, enhancing coverage. Additionally, the Infinity Bonus increases coverage by 100% upon each renewal, with no maximum limit. The plan also provides a cumulative bonus, adding 2 times the sum insured after two consecutive renewals. These features ensure policyholders are rewarded for maintaining good health while enjoying extensive medical coverage.

Care Health Insurance's Ultimate Care Plan offers comprehensive health coverage with unique benefits. Policyholders receive a refund of the first year's base premium after every five consecutive claim-free years under the MoneyBack feature. The Loyalty Boost benefit doubles the base sum insured after seven consecutive claim-free years, enhancing coverage. Additionally, the Infinity Bonus increases coverage by 100% upon each renewal, with no maximum limit. The plan also provides a cumulative bonus, adding 2 times the...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

ICU Charges

No restriction on ICU room rent

Specific Waiting Period

2 years

Post-Hospitalisation

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Annual Health Checkup

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Outpatient Department Cover (OPD Expense)

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Not available

Coverage Options

Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr

Claim Settlement Ratio

96%

Maternity Cover

Not available

Room Rent

All room categories are covered

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Co-payment

Not available

Cashless Healthcare Providers

21700+ Healthcare Providers

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Disease-wise sublimits

No

Restoration Benefit

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

Consumable Cover

No. However, available as an add-on

Initial Waiting Period

30 days

PED Waiting Period

3 years

ICU Charges

No restriction on ICU room rent

Specific Waiting Period

2 years

Post-Hospitalisation

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

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Exclusions

A 30-day initial waiting period applies, except for accident-related claims.
Two-year waiting period for specific listed illnesses before coverage begins.
Pre-existing diseases are covered only after a three-year waiting period.
Cosmetic or plastic surgery unless required due to injury or burns is not covered.
Self-inflicted injuries, suicide attempts, or treatment for substance abuse are excluded.
Dental treatments, hearing aids, and spectacles unless medically necessary are not covered.
Infertility treatments, pregnancy-related expenses, and maternity costs are excluded.
Treatment for congenital anomalies or birth defects is not covered.

Add ons

Add-Ons

Instant Cover

Wellness Benefit

Grace Period Coverage

Premium Payback

Annual Health Check-up

PED Wait Period Modification

Care OPD

Infinity Bonus

Insurance Premium Calculator

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.